Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$254,605Cash toward the purchase price.
Closing costs + prepaids$10,804Not just lender fees.
Before credits & paid funds$265,409The complete starting cash picture.
Estimated remaining funds due at closing
$265,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,605.31
Your down payment$254,605.31
Closing costs + prepaids$10,804.01
Total buyer cash needed$265,409.32
Remaining funds due$265,409.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$636.00
Prepaid interest, first (25 days)$244.01
Fees + prepaids$10,804.01
Your down payment is the seller’s equity. You take over the $115,295 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $265,409.32 is due at closing. Uses and sources reconcile at $380,704.01 each. Not a Closing Disclosure.